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- HORSKÁ, Elena - SZAFRANSKA, Monika - MATYSIK-PEJAS, Renata. Knowledge and financial skills as the factors determining the financial exclusion process of rural dwellers in Poland. In Agricultural economics. - Prague : Czech academy of agricultural sciences, 2013. ISSN 0139-570X, 2013, vol. 59, no. 1, s. 29-37.
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